Are Home Warranties Worth It for Murfreesboro Residents?
Home warranties are worth it for Murfreesboro residents. Murfreesboro summers are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.
Murfreesboro winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Murfreesboro's heavy rain can also affect your home's roof.
Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when picking the right home warranty plan for you.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. You'll also pay a service call fee every time you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your particular needs before purchasing a plan.
You can often find home warranty plans that cover specific appliances and systems. Decide whether you need coverage for major systems (such as air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline their limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand the terms and conditions of your plan.
Consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the Tennessee Division of Consumer Affairs to verify the status of a provider's state license.
Take into account a home warranty company's network of service providers. Reliable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners should consider choosing a home warranty provider that lets customers select their technicians. It's important to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Murfreesboro
Is a home warranty required in Murfreesboro?
What are preexisting conditions?
What is the best home warranty provider in Murfreesboro?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
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